Excerpt from "Talk Your Way Out of Credit Card Debt"by Scott Bilker
Everyone wants to get out of debt, but few are willing to do the work it takes to make this goal a reality. As it turns out, looking into all your credit options is going to be one of the best paying jobs you'll ever have. That's because the money you save more than compensates you for...

Money Saving Holiday Gift Ideasby Scott Bilker
The holiday season is here! If you went shopping last Friday, Black Friday, then I’m sure you noticed the rush to spend money! Since you will have to spend, you need to spend smart. Spending smart to me means getting a high quality gift at a great price. You don’t have to empty the bank to deliver expensive gifts to family and friends. It is the thought that counts. That being said, here are some suggested gifts for this season.

Negotiation Success in Dubaiby Ria Mendoza
I never thought I'd be emailing you because sometimes I find that the tips and tricks you send out do not apply to me because it seems more complicated than my actual finances. You see, there are no taxes here in Dubai, no 401k-funds either but I enjoy reading your money tips and tricks and how-to’s on dealing with banks.

Debt Free: How I did itby Cindy Campbell
About three years ago I sat down and knew for sure I was in debt. I had credit cards that were over the limit, due to me charging and charging, but not paying. I use to write checks at the grocery stores, for cash back, knowing I was going to be paid within a day or so, so I knew the money would be there when the check cleared, just not at the time it was written. I was so deep in debt.

Nightmare on Debt Street: A Debt Reduction Storyby Steve DebtSmart Reader
Our story begins 23 years ago when my wife and I got our first credit card ever. We were young, married just a short while, and had already established good credit (without a credit card). Back then the credit card was for "emergencies" only. What a crock!

Bad Customer Serviceby Chris Peruzzi
July 14th, 2002 I got a call yesterday at 8:AM. I don't like getting calls at 8:AM at work or at home. Obviously, there's nothing I can do about the work calls but the home calls, I'd like to think that this is an open invitation to be rude...

Think Beforeby Doris Dobkins
This afternoon, I spent an unexpected 4 hours at the car service dealer. My vehicle had been overheating for the past few days so I thought I'd take it in for a service check. Not having any other form of transportation at the moment, I decided to "hang out" in a comfortable chair on the sales floor. Here's just a small sample of what I witnessed...

My family vacation for $32 per person per day!by Scott Bilker
That's right, $32 per person per day is what it worked out to cost for our family's April 2002 vacation. This article covers the details of all costs related to this vacation, along with photos! I think that's great price but please let me know if you think it's a thrifty, quality, vacation.

Handling Frustrationby Michael Angier
I'm sooo frustrated! These words--or something perhaps even more colorful---are things we've all said at one time or another. Several times over the past few days, I said them myself--at least in my head.

Chris Peruzzi vs. the Debt Counselorsby Chris Peruzzi
I've got SUCH a headache. If you ever want to see me lose my temper really fast, talk to me about my debt counseling company. I have never had to deal with such a band of galactic level screw-ups in my life. In a roundabout way, I would guess that they are doing the job they are supposed to be doing. They are curing me of any kind of desire to ever be in debt again.